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Updated 2025 Tax Year

Cayuga County
Property Tax Guide

Everything you need to know about property taxes in Cayuga County, NY. Rates, due dates, exemptions, and how it affects your monthly payment.

10 Official Sources
8 min read
Quick Facts
Tax Rate
~7.04% combined rate (varies significantly by school district and municipality)
1st Due
Jan 1
Exemptions
6+ Available
Section 1

How Property Tax Works

Cayuga County, New York operates a property tax system that funds essential local services including schools, county government operations, municipal services, and special districts. Property taxes are assessed annually based on the assessed value of real property, with tax bills typically issued on January 1st for most areas outside the City of Auburn. The county's property tax system includes multiple components: county taxes, school district taxes, and municipal taxes, which together create the total tax burden for property owners.

The effective tax rate in Cayuga County varies significantly by location due to different school districts, municipalities, and special taxing districts within the county. For the 2025 levy year, the combined tax rate is approximately 7.04%, though this can be higher or lower depending on your specific location within the county. Property owners should note that New York's STAR program provides school tax relief, and various other tax credits and exemptions are available but require separate applications and are not automatically applied.

Section 2

What Makes Up Your Tax Bill

ComponentRateDescription
County TaxVaries by townFunds county services, courts, sheriff, social services
School TaxVaries by districtFunds local school districts, largest portion of tax bill
Municipal TaxVaries by municipalityCity, town, or village services and operations
Special DistrictsVaries by locationFire districts, water districts, lighting districts
Total Combined Rate (2025)~7.04%Average rate - varies significantly by location

Note: These rates apply to the 2025 levy year. Actual rates vary considerably depending on your specific school district, municipality, and special taxing districts. Properties in different areas of Cayuga County may experience rates ranging from approximately 6% to over 8% depending on local levies and special assessments.

Section 3

When Are Property Taxes Due?

For the 2025/2026 tax year in Cayuga County, property taxes are due in two installments:

First Installment
Jan 1
Delinquent after Dec 10
Pro tip: If you pay through mortgage escrow, your lender splits these payments across your monthly mortgage. If you pay directly, set calendar reminders to avoid late penalties.
Section 4

Supplemental Tax Bills

Supplemental taxes in Cayuga County are additional property tax assessments that occur when there are changes to property ownership, new construction, or improvements that increase a property's assessed value during the tax year. These taxes are calculated on a pro-rated basis from the date of the change through the end of the tax year.

Common triggers for supplemental taxes include: purchase of property at a higher assessed value, completion of new construction or major renovations, and removal of exemptions that previously reduced the assessed value. For example, if you purchase a home in June that was previously assessed at $200,000 but now reflects a market value requiring a $250,000 assessment, you would receive a supplemental tax bill for the $50,000 difference, prorated for the remaining months of the tax year. At Cayuga County's approximate 7.04% rate, this would result in a supplemental bill of roughly $1,830 ($50,000 × 0.0704 × 6/12 months).

Example Calculation

Example 1: $300,000 Home with Basic STAR

  • Assessed Value: $300,000
  • Basic STAR Credit Applied: -$30,000 (school tax portion only)
  • Net Taxable Value: $270,000 (for school tax), $300,000 (for county/municipal)
  • Annual Tax: ~$20,600 (varies by district)
  • Monthly Escrow: ~$1,717

Example 2: $600,000 Home with Enhanced STAR (Senior)

  • Assessed Value: $600,000
  • Enhanced STAR Credit Applied: -$68,700 (school tax portion only)
  • Net Taxable Value: $531,300 (for school tax), $600,000 (for county/municipal)
  • Annual Tax: ~$39,400 (varies by district)
  • Monthly Escrow: ~$3,283

Example 3: $1,000,000 Home with Veterans Credit

  • Assessed Value: $1,000,000
  • Veterans Credit Applied: -$54,000 (if qualified)
  • Net Taxable Value: $946,000
  • Annual Tax: ~$66,600 (varies by district)
  • Monthly Escrow: ~$5,550

Note: All credits require separate applications and are not automatically applied. Actual taxes vary significantly based on your specific location within Cayuga County.

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Section 5

Escrow & Property Taxes

Most mortgage lenders in Cayuga County require property tax escrow accounts for borrowers with less than 20% down payment. Your lender collects 1/12 of your estimated annual property tax bill each month along with your mortgage payment. The lender maintains these funds in an escrow account and pays your property taxes directly to Cayuga County when they become due.

Escrow payments are typically made on the quarterly due dates (April 15, July 15, October 15, and January 15), though some lenders may pay annually. Your lender will provide an annual escrow analysis showing how your monthly escrow payment is calculated and any adjustments needed based on actual tax bills. If your property taxes increase due to reassessment or rate changes, your monthly escrow payment will be adjusted accordingly. Property owners can verify their tax payments and balances through the Cayuga County Real Property Services website and should notify their lender immediately of any discrepancies.

How HonestCasa Helps
  • Understand whether your escrow is set correctly
  • See how rising taxes will change your monthly payment
  • Plan ahead instead of being surprised by "shortage" letters
Section 6

Frequently Asked Questions

Q: When are property taxes due in Cayuga County for FY 2025? A: Property taxes are due quarterly on April 15, July 15, October 15, and January 15. If you pay all remaining taxes by July 15, you may receive a discount. Interest charges apply from the original due dates if payments are late.

Q: What tax credits are available and do I need to apply? A: The STAR program provides school tax relief, Veterans exemptions are available for qualifying service members, and Senior Citizens exemptions exist for those over 65 with limited incomes. All credits require separate applications and are NOT automatic - you must apply through the Cayuga County Real Property Services office.

Q: How does the Homestead exemption work? A: New York doesn't have a traditional "Homestead" exemption, but the STAR program serves a similar function by reducing the taxable assessed value for school tax purposes. This credit caps assessment increases for school taxes and requires initial registration, though existing recipients may not need to reapply annually.

Q: When are properties reassessed in Cayuga County? A: Cayuga County conducts periodic reassessments, with frequency varying by municipality. Property owners receive notice of assessment changes and have the right to appeal through the Board of Assessment Review, typically with deadlines in May.

Q: What are the penalties for late property tax payments? A: Interest accrues from the original due dates (July 1, October 1, January 1, April 1) even if you pay after the grace period ends on the 15th of each month. Additional penalties may apply for severely delinquent accounts.

Q: Can I pay my property taxes online? A: Yes, Cayuga County offers online payment options through their official website. Property owners can also pay by mail, in person, or through their mortgage lender's escrow account.

Q: Why did I receive a supplemental tax bill? A: Supplemental taxes occur when property changes ownership, new construction is completed, or improvements increase assessed value mid-year. These are prorated from the change date through the end of the tax year.

Q: How do special district taxes affect my bill? A: Properties within fire districts, water districts, or other special districts pay additional taxes for those services. These rates vary significantly by location and are added to your base county, school, and municipal taxes, which is why rates vary across Cayuga County.

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